276 Herlong AveSan JoseCA95123
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Jose rental at 276 Herlong Ave, San Jose, CA, 95123 sits in the solid-income band: 8.34% gross yield, $6,938/mo rent, $759/mo net after the $4,492/mo debt service, DSCR 1.54. Entry price of $998,888 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $275,974 and $9,200/yr in principal reduction bring total cumulative return to $427,549.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $759 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,938 |
| Total Monthly Debt Service | $5,782 |
| DSCR Ratio | 1.20x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1966
5,663 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1966
5,663 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices